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316 N Hospital St, Rusk, TX, 75785

2beds
1baths
900sqft
$89,900
$100price/sqft
$841/moest. monthly cost
$33,640/yrincome needed

About This Home

Featuring two cozy bedrooms and one bath. This updated mid-century home (built 1965) sits on a sprawling, shady acre and perfectly blends in-town convenience with a tranquil, rural feel. Enjoy the outdoors from your covered front porch, completely surrounded by lush, mature trees and enjoy the peace of mind offered by the fenced in front yard.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
Rusk Elementary SchoolGrades 2-30.4 mi
7/10
Rusk Junior High SchoolGrades 6-81.3 mi
4/10
Rusk High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Aluminum/Metal
  • Construction materials: Wood Frame,Wood Based Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other/See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Refrigerator

Bathroom

  • Features: Shower and Tub

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central/Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 900
  • Total interior livable area: 900 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Property

Details

  • Parcel number: 112941000
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio Covered,Deck Covered,Porch
  • Fencing: Metal,Cross Fenced,Chain Link

Lot

  • Lot size: 1 Acres

Parking

  • Parking features: Open
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Ice Storm
Lightning
Strong Wind
Winter Weather
Tornado

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $454$5,448
Home Insurance *$114$1,368
Property Taxes $35$420
Electricity $238$2,859
Total$841$10,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,834/yr
40% on housing$25,230/yr
45% on housing$22,426/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 4.1%
4.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 75785$205
Cherokee County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 75785$113
Cherokee County$121

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-09Price change$89,900
2026-05-18Listed for sale$99,900

For Sale by Agent

AgentJulie Joy
BrokerageCentury 21 Action Team

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